{"id":25614540,"date":"2025-06-24T23:13:32","date_gmt":"2025-06-24T17:43:32","guid":{"rendered":"https:\/\/entri.app\/blog\/?p=25614540"},"modified":"2026-01-23T12:25:48","modified_gmt":"2026-01-23T06:55:48","slug":"increase-your-cibil-score","status":"publish","type":"post","link":"https:\/\/entri.app\/blog\/increase-your-cibil-score\/","title":{"rendered":"Increase Your CIBIL Score"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69ea845cc64cd\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69ea845cc64cd\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/entri.app\/blog\/increase-your-cibil-score\/#What_is_a_CIBIL_Score\" >What is a CIBIL Score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/entri.app\/blog\/increase-your-cibil-score\/#Why_is_it_so_important\" >Why is it so important?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/entri.app\/blog\/increase-your-cibil-score\/#Top_Reasons_Why_Your_CIBIL_Score_May_Be_Low\" >Top Reasons Why Your CIBIL Score May Be Low<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/entri.app\/blog\/increase-your-cibil-score\/#Top_Proven_Ways_to_Improve_Your_CIBIL_Score\" >Top Proven Ways to Improve Your CIBIL Score<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/entri.app\/blog\/increase-your-cibil-score\/#How_Long_Does_It_Take_to_Improve_a_CIBIL_Score\" >How Long Does It Take to Improve a CIBIL Score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/entri.app\/blog\/increase-your-cibil-score\/#Tools_to_Check_and_Track\" >Tools to Check and Track<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/entri.app\/blog\/increase-your-cibil-score\/#Myths_About_CIBIL_Score_Busted\" >Myths About CIBIL Score (Busted)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/entri.app\/blog\/increase-your-cibil-score\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<p><span style=\"font-weight: 400;\">Want to improve your CIBIL score? <\/span><span style=\"font-weight: 400;\">Are you planning to apply for a home loan, car loan, or even a credit card, but worried about your CIBIL score? You are not alone. A low CIBIL score can be a significant roadblock to your financial goals. But the good news is, it\u2019s not permanent. Transitioning from a low to a high score is more convenient than you think with the proper knowledge and discipline.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This guide will explore what a CIBIL score is and why it matters so much, and it will offer a step-by-step roadmap to improve your score and unlock a better financial future.<\/span><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/course\/stock-market-course-in-tamil\/\" target=\"_blank\" rel=\"noopener\"><strong>Master the stock market in Tamil with expert trader Nagaraj\u2014Join Entri Finacademy!<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_a_CIBIL_Score\"><\/span><span style=\"font-weight: 400;\">What is a CIBIL Score?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Think of your CIBIL score as your financial report card. A 3-digit number ranging from 300 to 900 that shows how responsible you have been with borrowing and repaying money. This score is generated by TransUnion CIBIL, one of India\u2019s leading credit information companies.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>300-550:<\/b><span style=\"font-weight: 400;\"> Poor<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>551-650:<\/b><span style=\"font-weight: 400;\"> Average<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>651-750:<\/b><span style=\"font-weight: 400;\"> Good<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>751-900:<\/b><span style=\"font-weight: 400;\"> Excellent<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Lenders like banks and NBFCs use this score to decide if you are a low-risk or high-risk borrower. A higher score means you are more likely to get your loan approved.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_is_it_so_important\"><\/span><span style=\"font-weight: 400;\">Why is it so important?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Your CIBIL score is more than just a number; it\u2019s a key that unlocks many financial doors. Here\u2019s why it\u2019s so critical:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Loan Approvals:<\/b><span style=\"font-weight: 400;\"> This is the biggest one. A high CIBIL score significantly increases your chances of getting a home loan, personal loan, car loan, or any other type of credit. Most lenders have a minimum score requirement (usually 750+) for loan approval.<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Better Interest Rates:<\/b><span style=\"font-weight: 400;\"> A higher score doesn\u2019t just get you approved; it can also get you lower interest rates. Banks see you as a reliable customer and reward you with better terms, which can save you thousands of rupees over the loan\u2019s duration.<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Credit Card Approvals:<\/b><span style=\"font-weight: 400;\"> Want a premium credit card with great rewards? A strong CIBIL score is often a must. It can also help you get a higher credit limit.<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Quicker Loan Processing:<\/b><span style=\"font-weight: 400;\"> With a good score, your loan application process is often faster and requires less paperwork, as lenders see you as less risky.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Top_Reasons_Why_Your_CIBIL_Score_May_Be_Low\"><\/span><span style=\"font-weight: 400;\">Top Reasons Why Your CIBIL Score May Be Low<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Understanding why your score is low is the first step to fixing it. Here are some common reasons:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Late Payments:<\/b><span style=\"font-weight: 400;\"> Missing or delaying your EMI or credit card payments is one of the most significant factors that damage your score.<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>High Credit Utilisation Ratio (CUR):<\/b><span style=\"font-weight: 400;\"> If you consistently use a large portion of your available credit limit (e.g., using \u20b945,000 out of a \u20b950,000 limit), it signals lenders that you are credit-hungry and may have trouble repaying.<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Too Many Loan Applications:<\/b><span style=\"font-weight: 400;\"> Applying for multiple loans or credit cards quickly results in several \u201chard inquiries\u201d on your report, which can lower your score.<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Errors in Your CIBIL Report:<\/b><span style=\"font-weight: 400;\"> Sometimes, the report may have mistakes, like a closed loan still showing as active or incorrect payment information.<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Closing Old Credit Accounts:<\/b><span style=\"font-weight: 400;\"> Closing an old credit card is a good idea, but it can reduce your credit history length, negatively impacting your score.<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Having No Credit History:<\/b><span style=\"font-weight: 400;\"> If you have never taken a loan or credit card, you won\u2019t have a CIBIL score. This makes it difficult for lenders to assess you.<\/span><\/li>\n<\/ul>\n<table>\n<tbody>\n<tr>\n<th colspan=\"2\">Related Articles<\/th>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/entri.app\/blog\/share-market-vs-mutual-fund\/\" target=\"_blank\" rel=\"noopener noreferrer\">Share Market and Mutual Fund &#8211; Which is Best?<\/a><\/td>\n<td><a href=\"https:\/\/entri.app\/blog\/50-30-20-rule-of-budgeting\/\" target=\"_blank\" rel=\"noopener noreferrer\">What is 50-30-20 Rule of Budgeting?<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/entri.app\/blog\/best-expense-tracker-apps-in-india\/\" target=\"_blank\" rel=\"noopener noreferrer\">Best Expense Tracker Apps in India (2026)<\/a><\/td>\n<td><a href=\"https:\/\/entri.app\/blog\/how-to-develop-saving-habit-in-children\/\" target=\"_blank\" rel=\"noopener noreferrer\">How to Develop Saving Habit in Children?<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/entri.app\/blog\/what-to-know-before-getting-your-first-credit-card\/\" target=\"_blank\" rel=\"noopener noreferrer\">What To Know Before Getting Your First Credit Card?<\/a><\/td>\n<td><a href=\"https:\/\/entri.app\/blog\/best-personal-finance-books-to-read\/\" target=\"_blank\" rel=\"noopener noreferrer\">Best Personal Finance Books to Read<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/entri.app\/blog\/what-is-cibil-score-and-what-is-a-good-range\/\" target=\"_blank\" rel=\"noopener noreferrer\">What Is CIBIL Score and What Is a Good Range?<\/a><\/td>\n<td><a href=\"https:\/\/entri.app\/blog\/how-to-budget-as-a-young-professional\/\" target=\"_blank\" rel=\"noopener noreferrer\">How to budget as a young professional?<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Top_Proven_Ways_to_Improve_Your_CIBIL_Score\"><\/span><span style=\"font-weight: 400;\">Top Proven Ways to Improve Your CIBIL Score<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<tbody>\n<tr>\n<td><strong>Strategy<\/strong><\/td>\n<td><strong>Actionable Step<\/strong><\/td>\n<td><strong>How it Helps Your Score<\/strong><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1. Pay Bills on Time<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Set up automatic payments or reminders for all your EMIs and credit card bills. Always pay at least the minimum amount due before the deadline.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">This has the most significant positive impact on your score, showing you are a reliable borrower.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\"> 2. Keep Credit Utilisation Low<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Aim to use less than 30% of your total credit card limit. For example, if your limit is \u20b91,00,000, keep your spending below \u20b930,000.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Low utilisation shows that you are not dependent on credit and can manage your finances well.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3. Regularly Review Your Report<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Check your CIBIL report at least once every few months for any errors or inaccuracies.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">You can get errors corrected by raising a dispute with CIBIL, which can instantly improve your score.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">4. Avoid Multiple Hard Inquiries<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Only apply for new credit when you genuinely need it. Avoid applying for loans or cards \u201cjust to see\u201d if you get approved.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">This prevents your score from dropping due to too many inquiries in a short time.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5. Maintain a Healthy Credit Mix<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Try to have a mix of secured loans (like home or auto loans) and unsecured loans (like personal loans or credit cards).<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Lenders like to see that you can responsibly manage different types of credit.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">6. Don\u2019t Close Old Accounts<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Keep your oldest credit card account open, even if you don\u2019t use it much. Make a small purchase on it every few months to keep it active.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">This preserves the length of your credit history, which is a positive factor for your score.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">7. Consider a Secured Credit Card<\/span><\/td>\n<td><span style=\"font-weight: 400;\">If you have no credit history, get a secured card against a fixed deposit (FD). Use it responsibly to build a positive history.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">This is an excellent way for beginners to start their credit journey and build a good score from scratch.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">If you\u2019re struggling to manage your finances, consider educational resources. Entri App\u2019s personal finance courses provide beginner-friendly content to help you budget, save, and make smarter financial decisions.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Long_Does_It_Take_to_Improve_a_CIBIL_Score\"><\/span><span style=\"font-weight: 400;\">How Long Does It Take to Improve a CIBIL Score?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Improving your CIBIL score is a marathon, not a sprint. You won\u2019t see changes overnight. Generally, it can take anywhere from <\/span><b>4 to 12 months<\/b><span style=\"font-weight: 400;\"> to significantly improve your score after you start implementing good financial habits.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Lenders report your payment behaviour to CIBIL every 30-45 days. So, positive changes will start reflecting in your report after a few billing cycles. The key is to be consistent.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tools_to_Check_and_Track\"><\/span><span style=\"font-weight: 400;\">Tools to Check and Track <\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">It\u2019s essential to monitor your score regularly. You can get one free full credit report every year directly from the TransUnion CIBIL website. Additionally, many financial platforms offer free CIBIL score checks, such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Paisabazaar<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">BankBazaar<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">OneScore<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Paytm<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">These platforms provide a monthly updated score and a summary of your report, helping you track your progress easily.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Myths_About_CIBIL_Score_Busted\"><\/span><span style=\"font-weight: 400;\">Myths About CIBIL Score (Busted)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">There are many myths surrounding CIBIL scores. Let\u2019s bust a few common ones:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Myth 1: Checking my own score will lower it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fact: When you check your score, it\u2019s a \u201csoft inquiry\u201d with no impact. Only when a lender checks your score for a loan application (a \u201chard inquiry\u201d) does it affect your score slightly.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Myth 2: A high salary means a high CIBIL score.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fact: Your income is not a part of your CIBIL report. A person with a lower salary but excellent repayment habits can have a higher score than a high earner who pays late.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Myth 3: Using a debit card helps my CIBIL score.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fact: Debit card transactions are not credit. They do not involve borrowing and therefore are not reported to CIBIL or any other credit bureau.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Myth 4: Settling a loan is the same as closing it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fact: \u201cSettling\u201d means you paid a partial amount of the due, and the lender agreed to close the account. This \u201cSettled\u201d remark negatively flags your report and hurts your score. Always aim to pay in full and get a \u201cClosed\u201d status.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><span style=\"font-weight: 400;\">Conclusion<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Your CIBIL score is a powerful financial tool that you can control. By paying your bills on time, managing your credit responsibly, and regularly checking your report, you can build a strong score that opens doors to your financial dreams.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Take that first step today. Invest in your financial knowledge, gain the needed discipline, and turn your financial health into your biggest asset.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Download the Entri App to begin your journey towards financial literacy. Unlock exclusive courses, guidance, and community backing.<\/span><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/course\/stock-market-course\/\" target=\"_blank\" rel=\"noopener\"><strong>Master intraday, options &amp; forex trading in your language with Entri Finacademy!<\/strong><\/a><\/p>\n<table width=\"468\">\n<tbody>\n<tr>\n<td colspan=\"2\"><strong>Gain Financial Literacy in your Mother Tongue<\/strong><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/entri.app\/course\/stock-market-course-in-malayalam\/\">Stock Market Course in Malayalam<\/a><\/td>\n<td><a href=\"https:\/\/entri.app\/course\/mutual-funds-course-in-kerala\/\">Mutual Funds Course in Malayalam<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/entri.app\/course\/stock-market-course-in-tamil\/\">Stock Market Course in Tamil<\/a><\/td>\n<td><a href=\"https:\/\/entri.app\/course\/mutual-funds-course-in-tamil\/\">Mutual Funds Course in Tamil<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/entri.app\/course\/stock-market-course\/\">Stock Market Course<\/a><\/td>\n<td><a href=\"https:\/\/entri.app\/course\/mutual-funds-course\/\">Mutual Funds Course<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>Want to improve your CIBIL score? Are you planning to apply for a home loan, car loan, or even a credit card, but worried about your CIBIL score? You are not alone. A low CIBIL score can be a significant roadblock to your financial goals. But the good news is, it\u2019s not permanent. Transitioning from [&hellip;]<\/p>\n","protected":false},"author":131,"featured_media":25615156,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[802,1867],"tags":[2193,2192,2194,2195],"class_list":["post-25614540","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-stock-marketing","tag-cibil","tag-cibil-score","tag-financial-goal","tag-improve-cibil"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Increase Your CIBIL Score - Entri Blog<\/title>\n<meta name=\"description\" content=\"Want to increase your CIBIL score? 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